Hot Topics

What can I do if I think information held by a credit reference agency on me is incorrect?
If you have been turned down for a loan and you cannot see any reason why, then you can contact the credit reference agency to see your personal credit report.
How can I improve my credit rating?
If you are having trouble getting credit, there are a number of measures you can take to safeguard your credit rating. Here we have listed some helpful hints here to keep you in credit:
Should I get Personal Loan Payment Protection Insurance?
When you apply for a loan, you will be asked at the initial stages if you want personal loan insurance to be included in the agreement
Do I have to pay any upfront fees?
You will not normally have to pay any upfront fees, this is because all the admin charges and other legal fees are incorporated into the APR. Any charges are therefore spread over the term of the loan, and not charged on an upfront basis.
Can I cancel my loan application if I decide not to go ahead for any reason?
If you decide you want to cancel your loan application once you have made it, you can do so within a certain period of time set by the loan company.

What if I die before my loan is paid off?

If you die before your loan has been fully repaid, the loan will still need to be repaid by your estate. This may mean that your family will have to cover the cost of the loan for you.

Apply now

The only way to protect yourself and your family against this possibility is to get either Personal Loan Insurance or Life Insurance.

Both policies will ensure that your outstanding loan balance is fully repaid in the event of your death or you being diagnosed with a specified critical illness. Life Insurance will not be of any help with unemployment, sickness or accident. That’s why it’s recommended if you have a very large loan, that you take both a loan or short-term income protection insurance policy, and a life insurance policy - so that all angles are covered and in any event, your family will not have to cope with the repayments on their own.

 

Apply now For Life Insurance

Apply now For Short Term Income Protection Insurance


Risk Warning
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. Security by way of a charge on your home may be required.
Think carefully before securing other debts to your home.